the flu comes on fast, so ask your doctor about tamiflu. prescription for flu. >>> never underestimate the importance of the banks. all anybody can think about is the fiscal cliff. eventually that situation will be resolved. once the cliff is behind us we could think about what would make this market go higher. we are never going to get a sustained rally unless the banks are onboard. goldman is hosting a big financial services conference. i want to focus on a regional bank. city national is a business bank. it makes commercial real estate loans and also they cater to the wealthy. mostly in southern california and nevada new york city, nashville and atlanta. this is a well run bank. let's check in with russell goldsmith and find out where this bank might be headed. i don't know anyone in this world who has the pulse of wealthy people the way you do. i need to know whether they are quaking about the increase of possible capital gains. will it be business as usual? >> great to be with you. appreciate the support. i think we have been seeing fo